Join our team - and take the next step in achieving a fulfilling career!

What We Do

At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Who We Are

CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans.  We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank.  Merrick operates three main business lines:  credit cards, recreational lending, and merchant services.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

Position Summary:

At Merrick Bank, our mission is to provide exceptional service to our Independent Sales Organizations (ISO) clients to give them the competitive edge in the Acquiring industry to help expand their portfolio.  The Merchant Accountant II (Settlement) position is responsible for the completion of daily, weekly and monthly merchant settlement related functions including reconciliation, research of suspense items and preparation of monthly residual statements. This position is an excellent opportunity to understand the full circle of a credit card transaction, work independently while maintaining a high level of accuracy and being involved in learning new processes within the Merchant Accounting group. 

Essential Functions:

• Pulls daily reports to identify suspense-related items.  Reports are balanced timely and distributed to appropriate people when applicable.
• Reconciles and clears for various suspense accounts including clearing suspense, residuals, and reserves. Understand how suspense accounts work, ensure that residuals are accurate and settled timely and reserves are balanced daily and appropriate approvals have been received.
• Research items that do have an appropriate offset and determine what needs to happen to clear that item from suspense in a timely manner. Identify anomalies, understand the issue and make recommendations as to how to resolve.
• Completes a variety of daily, weekly, and monthly schedules.
• Prepares monthly residual statements with no supervision and are settled on the required date with ISO clients.
• Completes special projects assigned by the Merchant Accounting Supervisor.
• Communicates directly with ISO clients in a professional/knowledgeable manner.

Compliance with Laws & Regulations: 

• Responsible for complying with all of the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

Education and Experience:

• Associates degree is required, two (2) years’ experience accepted in lieu of education requirement.
• Three (3) years’ accounting or financial industry experience is required.  

• Experience with, and demonstrated skill at, the following computer applications: Word Processing, Spreadsheet (Excel preferred) and E-mail. 

Summary of Qualifications:

• Ability to identify and solve practical problems with little or no supervision.

• Responsible, flexible individual with strong mathematical and analytical skills.

• Communicates effectively both orally and in writing; presents ideas in a clear, concise, understandable, and organized manner. 

• Must be detail-oriented with strong organizational and time management skills.

#INDHP

Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program 
• Benefits Package -Medical, Dental, and Vision (plus much more) 
• 401(k) Plan with Company Match 
• Short- & Long-Term Disability 
• Wellness Programs 
• Group Life and AD&D Insurance 
• Paid Vacation, Sick Days and bank Holidays 
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.  Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic.  We will conduct a thorough background check for all hires in compliance with applicable laws.